Indiana flood insurance and flood history
From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 19,787 flood insurance claims in Indiana since 1978. The NFIP paid $310.4 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 2008, with 3,288, mostly from Storm.
In the last ten years (2017–2026) there were 2,269 claims, and the average paid claim was $35,782.
21% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 0.5% of homes in Indiana had an NFIP flood policy in FEMA's latest count (13,093 of 2,572,454 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 17% (9,662 of 58,196).
Since 2000, FEMA has made 17 flood-related disaster declarations covering parts of Indiana. The most recent was DR-4933-IN (Severe Storms, Straight-Line Winds, Tornadoes, and Flooding), declared August 25, 2026.
Flood insurance claims in Indiana by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2026 | 534 | $8.3 million |
| 2025 | 366 | $17.5 million |
| 2024 | 43 | $716,066 |
| 2023 | 13 | $39,907 |
| 2022 | 35 | $613,466 |
| 2021 | 124 | $4.3 million |
| 2020 | 53 | $774,940 |
| 2019 | 156 | $2.8 million |
| 2018 | 728 | $21.3 million |
| 2017 | 217 | $4.1 million |
| 2016 | 105 | $1.2 million |
| 2015 | 541 | $8.6 million |
| 2014 | 148 | $1.2 million |
| 2013 | 871 | $20.9 million |
| 2012 | 39 | $103,764 |
| 2011 | 723 | $10.1 million |
| 2010 | 114 | $1.1 million |
| 2009 | 650 | $14.3 million |
| 2008 | 3,288 | $106.2 million |
| 2007 | 189 | $2.1 million |
| 2006 | 911 | $9.7 million |
| 2005 | 678 | $7.6 million |
| 2004 | 183 | $3.0 million |
| 2003 | 1,231 | $14.7 million |
| 2002 | 277 | $1.2 million |
| 2001 | 72 | $231,044 |
| 2000 | 79 | $387,464 |
| 1999 | 169 | $1.3 million |
| 1998 | 331 | $2.4 million |
| 1997 | 678 | $11.1 million |
| 1996 | 390 | $2.6 million |
| 1995 | 74 | $367,787 |
| 1994 | 87 | $577,699 |
| 1993 | 411 | $2.7 million |
| 1992 | 211 | $1.3 million |
| 1991 | 173 | $939,367 |
| 1990 | 957 | $10.2 million |
| 1989 | 262 | $1.0 million |
| 1988 | 21 | $11,500 |
| 1987 | 55 | $247,305 |
| 1986 | 79 | $102,213 |
| 1985 | 634 | $2.3 million |
| 1984 | 56 | $134,634 |
| 1983 | 300 | $698,082 |
| 1982 | 1,044 | $5.2 million |
| 1981 | 481 | $1.4 million |
| 1980 | 239 | $584,933 |
| 1979 | 328 | $1.1 million |
| 1978 | 439 | $1.0 million |
Biggest flood events by NFIP payments
The flood events FEMA's claims data names most often for Indiana, ranked by what the NFIP paid. FEMA names events in its claims records; claims without an event name aren't included here.
| Event | Year | Claims | Paid |
|---|---|---|---|
| Storm | 2008 | 1,417 | $52.9 million |
| Hurricane Ike | 2008 | 876 | $33.0 million |
| Central U.S. April Flooding | 2025 | 306 | $15.1 million |
| Flooding | 1997 | 485 | $9.3 million |
| 2026-08-Indiana-Flooding | 2026 | 446 | $7.3 million |
| Flooding | 1990 | 570 | $5.9 million |
| Mid-spring storms | 2011 | 336 | $5.5 million |
| Flooding | 1982 | 801 | $4.7 million |
| Flooding | 1985 | 545 | $1.9 million |
| March storm | 2008 | 103 | $1.6 million |
What flood insurance costs in Indiana
On June 30, 2026, 15,187 NFIP flood insurance policies were in force in Indiana. For the 12,285 single-family homes among them, the typical (median) yearly cost was about $960; the average was $1,110.
| Rated flood zone | Policies | Typical yearly cost, single-family home | Average cost | Average building coverage |
|---|---|---|---|---|
| High-risk zones (A and V) | 11,081 | $960 | $1,170 | $159,000 |
| Moderate- and low-risk zones (B, C and X) | 4,104 | $890 | $930 | $211,000 |
Cost here is what FEMA's data lists as the policy cost: the premium plus the reserve fund assessment, federal policy fee and HFIAA surcharge. It covers single-family homes only (not condos, apartments or businesses), with costs rounded to the nearest $10 and shown only where at least 20 homes back the figure. Your own price depends on your building and the coverage you choose; see how flood insurance is priced. Private flood insurance isn't included.
Policies and average cost by exact flood zone
Flood history by county
Every Indiana county in FEMA's data, sorted by number of NFIP claims since 1978. "Insured" is the share of homes with an NFIP policy; "typical NFIP cost" is the median yearly cost for single-family homes.
| County | Claims | Paid | Insured | Typical NFIP cost | Flood declarations |
|---|---|---|---|---|---|
| Lake County | 3,013 | $49.5 million | 0.5% | $990 | 12 |
| Marion County | 2,309 | $18.9 million | 0.7% | $910 | 8 |
| Allen County | 1,673 | $15.8 million | 0.4% | $910 | 7 |
| Clark County | 860 | $17.5 million | 1.0% | $1,110 | 6 |
| Vanderburgh County | 821 | $7.5 million | 0.7% | $940 | 7 |
| Vigo County | 662 | $17.4 million | 1.2% | $940 | 4 |
| Bartholomew County | 506 | $15.0 million | 1.3% | $960 | 4 |
| Carroll County | 501 | $17.3 million | 1.9% | $1,490 | 8 |
| Hamilton County | 497 | $5.9 million | 0.5% | $960 | 8 |
| Howard County | 489 | $9.8 million | 0.4% | $940 | 4 |
| Johnson County | 454 | $12.6 million | 0.7% | $960 | 6 |
| Kosciusko County | 391 | $4.7 million | 1.2% | $740 | 7 |
| Elkhart County | 378 | $3.8 million | 0.5% | $940 | 3 |
| Madison County | 305 | $3.7 million | 0.4% | $940 | 8 |
| Delaware County | 302 | $3.8 million | 0.7% | $960 | 6 |
| Jefferson County | 246 | $5.5 million | 0.5% | $1,160 | 8 |
| White County | 237 | $5.0 million | 0.9% | $1,310 | 8 |
| Floyd County | 233 | $4.4 million | 0.5% | $1,210 | 5 |
| Shelby County | 232 | $3.1 million | 1.1% | $1,040 | 5 |
| Morgan County | 231 | $8.7 million | 0.7% | $1,010 | 9 |
| Noble County | 226 | $2.8 million | 0.9% | $760 | 5 |
| Tippecanoe County | 218 | $3.2 million | 0.3% | $990 | 5 |
| Harrison County | 207 | $8.6 million | 0.3% | $1,440 | 7 |
| Marshall County | 190 | $1.6 million | 0.2% | $860 | 6 |
| Porter County | 187 | $2.3 million | 0.2% | $690 | 6 |
| St. Joseph County | 180 | $1.3 million | 0.2% | $690 | 6 |
| Fulton County | 173 | $2.2 million | 0.4% | $1,040 | 7 |
| Pulaski County | 173 | $2.6 million | 0.7% | $960 | 7 |
| Brown County | 160 | $5.0 million | 0.8% | $1,260 | 6 |
| Owen County | 147 | $3.6 million | 0.4% | $1,290 | 10 |
| Posey County | 144 | $2.3 million | 0.9% | $890 | 4 |
| LaPorte County | 143 | $817,184 | 0.3% | $940 | 7 |
| Grant County | 139 | $1.7 million | 0.2% | $1,190 | 8 |
| Crawford County | 136 | $2.2 million | 0.3% | n/a | 7 |
| Monroe County | 126 | $3.8 million | 0.4% | $1,040 | 5 |
| Adams County | 119 | $1.3 million | 0.3% | $910 | 4 |
| Tipton County | 115 | $1.8 million | 1.7% | $990 | 5 |
| Dearborn County | 113 | $2.0 million | 0.2% | $1,010 | 8 |
| Jasper County | 113 | $1.6 million | 0.7% | $790 | 8 |
| Orange County | 113 | $1.3 million | 0.3% | $1,360 | 7 |
| Huntington County | 111 | $1.1 million | 0.3% | $840 | 5 |
| Switzerland County | 110 | $1.7 million | 1.0% | $1,090 | 6 |
| Wayne County | 109 | $1.2 million | 0.3% | $990 | 6 |
| Boone County | 98 | $644,702 | 0.7% | $990 | 6 |
| Jackson County | 96 | $1.1 million | 0.8% | $890 | 5 |
| Hancock County | 93 | $1.0 million | 0.6% | $960 | 7 |
| Knox County | 81 | $1.0 million | 0.4% | $690 | 5 |
| Hendricks County | 77 | $695,619 | 0.3% | $1,010 | 5 |
| Warrick County | 77 | $650,882 | 0.6% | $1,010 | 6 |
| DeKalb County | 67 | $1.5 million | 0.3% | $860 | 4 |
| Vermillion County | 67 | $411,142 | 0.6% | $1,290 | 6 |
| Cass County | 63 | $840,669 | 0.5% | $1,210 | 6 |
| Washington County | 58 | $2.7 million | 0.1% | n/a | 7 |
| Steuben County | 55 | $151,420 | 0.5% | $810 | 0 |
| Franklin County | 53 | $838,845 | 0.3% | $1,510 | 8 |
| Gibson County | 49 | $505,564 | 0.2% | n/a | 7 |
| Wabash County | 46 | $472,934 | 0.5% | $910 | 6 |
| LaGrange County | 45 | $626,682 | 0.8% | $740 | 0 |
| Spencer County | 45 | $407,947 | 0.8% | $740 | 4 |
| Jay County | 43 | $523,388 | 0.1% | n/a | 5 |
| Lawrence County | 43 | $1.0 million | 0.2% | $1,410 | 6 |
| Newton County | 42 | $422,360 | 0.7% | $890 | 7 |
| Perry County | 42 | $298,445 | 0.5% | $1,160 | 8 |
| Wells County | 42 | $756,720 | 0.3% | $1,010 | 3 |
| Fayette County | 40 | $497,768 | 0.5% | $1,160 | 4 |
| Henry County | 33 | $601,177 | 0.2% | $940 | 7 |
| Miami County | 31 | $196,464 | 0.3% | $1,040 | 4 |
| Decatur County | 30 | $830,733 | 0.2% | $1,240 | 7 |
| Whitley County | 29 | $156,630 | 0.5% | $690 | 5 |
| Clinton County | 26 | $371,586 | 0.3% | $1,260 | 5 |
| Montgomery County | 25 | $373,624 | 0.2% | $1,210 | 7 |
| Randolph County | 25 | $143,302 | 0.5% | $840 | 6 |
| Clay County | 24 | $539,387 | 0.2% | $1,110 | 8 |
| Putnam County | 23 | $504,067 | 0.2% | $1,390 | 7 |
| Rush County | 23 | $205,176 | 0.4% | $740 | 5 |
| Starke County | 22 | $357,189 | 0.4% | $740 | 5 |
| Parke County | 20 | $348,156 | 0.2% | n/a | 7 |
| Ripley County | 20 | $120,078 | 0.1% | n/a | 5 |
| Dubois County | 17 | $381,085 | 0.2% | $990 | 5 |
| Ohio County | 17 | $110,874 | 1.1% | $1,190 | 5 |
| Martin County | 14 | $212,056 | 0.1% | n/a | 6 |
| Scott County | 12 | $209,674 | 0.2% | n/a | 4 |
| Daviess County | 11 | $213,493 | 0.1% | n/a | 5 |
| Greene County | 10 | $140,973 | 0.3% | $1,160 | 8 |
| Jennings County | 10 | $102,223 | 0.2% | $1,260 | 5 |
| Fountain County | 7 | $33,651 | 0.1% | n/a | 6 |
| Blackford County | 4 | $1,516 | 0.1% | n/a | 3 |
| Union County | 3 | $50,520 | 0.0% | n/a | 8 |
| Warren County | 2 | $1,983 | 0.0% | n/a | 8 |
| Pike County | 1 | $44,000 | 0.1% | n/a | 8 |
| Sullivan County | 1 | $42,215 | 0.0% | n/a | 5 |
| Benton County | 0 | $0 | 0.0% | n/a | 7 |
Flood-related FEMA disaster declarations in Indiana
Declarations since 2000 that FEMA lists as involving flooding. "Help for individuals" means FEMA's Individual Assistance was approved for at least part of the area.
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4933-IN | Aug 25, 2026 | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | Apply by Oct 25, 2026 →Closed Oct 25, 2026 |
| EM-3651-IN | Aug 15, 2026 | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | No |
| DR-4882-IN | Jul 22, 2025 | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | No |
| DR-4704-IN | Apr 15, 2023 | Severe Storms, Straight-Line Winds, and Tornadoes | Yes |
| DR-4363-IN | May 4, 2018 | Severe Storms and Flooding | Yes |
| DR-1832-IN | Apr 22, 2009 | Severe Storms, Tornadoes, and Flooding | Yes |
| DR-1795-IN | Sep 23, 2008 | Severe Storms and Flooding | Yes |
| DR-1766-IN | Jun 8, 2008 | Severe Storms, Flooding, and Tornadoes | Yes |
| DR-1740-IN | Jan 30, 2008 | Severe Storms and Flooding | Yes |
| DR-1732-IN | Nov 30, 2007 | Severe Storms and Flooding | Yes |
| DR-1662-IN | Oct 6, 2006 | Severe Storms and Flooding | Yes |
| DR-1573-IN | Jan 21, 2005 | Severe Winter Storms and Flooding | Yes |
| DR-1542-IN | Sep 1, 2004 | Severe Storms, Tornadoes and Flooding | No |
| DR-1520-IN | Jun 3, 2004 | Severe Storms, Tornadoes, and Flooding | Yes |
| DR-1487-IN | Sep 5, 2003 | Severe Storms, Tornadoes, and Flooding | Yes |
| DR-1476-IN | Jul 11, 2003 | Severe Storms, Tornadoes, and Flooding | Yes |
| DR-1418-IN | Jun 13, 2002 | Severe Storms, Tornadoes and Flooding | Yes |
What to do with this
A county's history doesn't tell you your own building's risk. To see your property's flood zone, use FEMA's flood map lookup. To weigh coverage, start with do I need flood insurance? and what flood insurance costs.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- NFIP Redacted Policies (v3) (FEMA (OpenFEMA)): NFIP policies in force on June 30, 2026 (a policy counts if its term covers that date and it wasn't cancelled), downloaded 2026-10-08. Policy counts are FEMA's insured units, so a condominium association policy counts each unit. Costs are FEMA's "policy cost" (premium plus reserve fund assessment, federal policy fee and HFIAA surcharge) for single-family homes only. Policies FEMA's data doesn't place in a county count toward the state only.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.